Liberty Health for Multinationals

Heritage Blue for Multinationals

Our Plans

Heritage Blue for Multinationals offers a comprehensive Pan-African health insurance coverage designed to align with your corporate financial objectives. Blue provides a range of modular plans for in-country employees with extensions to ensure that YOU our partner receives premium healthcare coverage.

We cater for health benefits to suit a range of income brackets, whilst ensuring access to quality health care benefits.

The Lite plan is our entry level health plan for staff of employer groups. It provides cover for in-patient and out-patient benefits and a major disease benefit for cancer, organ transplant and kidney dialysis treatment. This plan offers in-country cover through a Standard Network of contracted healthcare providers.

Classic provides in-country cover for in-patient and out-patient benefits and major disease benefits for cancer treatment, organ transplants and kidney dialysis. Members have access to treatment via our Enhanced Network of contracted healthcare providers.

Classic Critical Care provides in-country cover for in-patient and out-patient benefits and major disease benefits for cancer treatment, organ transplants and kidney dialysis. It also covers in-patient treatment for life-threatening conditions in Africa or India when treatment is not available locally. Members have access to treatment via our Enhanced Network of contracted healthcare providers.

Our Plus Africa plan provides health insurance cover across Africa, India and U.A.E with generous limits for in-patient and out-patient care through our Premier Network of contracted healthcare providers. This plan provides major disease benefits for cancer treatment, organ transplants and kidney dialysis, as well as international emergency evacuation with compassionate travel.

The Global Elite plan provides our highest level of cover worldwide, excluding North America. Cover includes generous limits on in-patient and out-patient health benefits via our Premier Network of contracted healthcare providers. This plan also provides major disease benefits for cancer treatment, organ transplants and kidney dialysis, as well as international emergency evacuation with compassionate travel.

Our Benefits

We offer a range of health insurance solutions to multinationals and companies in Kenya and other regions of the African continent. Our range of health plans include employee benefits tailored to suite the medical insurance needs of different employee types, and access to quality customer care via our in-country offices.

We offer comprehensive in-patient and out-patient benefits, international emergency medical evacuation on select health plans, and access to a wide network of contracted healthcare providers ensuring members receive the best health care possible on credit by using our network.

In-patient health care benefits

The Liberty Health Cover In-patient health care benefits cover admission to any private hospital within our network of healthcare providers at cost. We pay for the hospital bill and any associated costs from these benefits.

Our health plans provide the following benefits subject to pre-authorisation:

We cover the following medical treatment and services:

  • Hospital accommodation
  • In-patient fees for physicians, specialists, surgeons, anaesthetists, physiotherapists and other relevant specialist consultations in hospital
  • Operating theatre charges
  • Apparatus, material, and ward and theatre medicines used in hospital
  • Lodger fees for parents sharing room with their admitted dependant who is 12 years or younger. The treating doctor will need to advise us in writing that the parent should remain with the child. This benefit can be extended to adulthood for beneficiaries with specialized needs (PWD) hence must have a 24-hour guardian.

We cover in-country ambulance transport from the scene of the emergency to the nearest available medical facility.

We provide benefits for a higher level of treatment, nursing vigilance and monitoring than is available in a high care unit when it is medically necessary.

We cover the following:

  • Confinement, the period of pregnancy when a woman is confined to a hospital bed (in an effort to reduce the risk of premature delivery).
  • Childbirth (natural delivery)
  • Midwives
  • A non-elective caesarean section

We provide cover for neonatal care required for a new-born baby.

We cover the cost of artificial limbs, and internal (surgically implanted) prostheses, such as:

  • Orthopaedic prostheses, including hip replacements, bone lengthening devices, spinal plates and screws.
  • End-vascular devices and devices for the central nervous system, cardiac system and ophthalmic system.

We provide benefits for specialised radiology required in or out of hospital, such as CT and MRI scans.

We provide benefits for wheelchairs, glucometers, hearing aids, low-vision appliances and large orthopaedic orthotics (for example, a back brace).

We cover the cost of in-patient psychiatric treatment received at a psychiatric unit of a hospital. All treatment must be administered under the supervision of a registered psychiatrist.

We provide benefits for the cost of treatment (in and out of hospital) for oncology (cancer), organ transplants and renal (kidney) dialysis up to the major disease benefit limit and subject to clinical/treatment protocols.

  • Heritage Pre-Authorisation Request Form
  • Hospital and Scan Pre-authorisation Form

Pre-authorisation is required for all the above treatment and services. This will ensure that we pay your related claims from the correct and available benefits.

Out-patient benefits

Our out-patient health benefits cover day-to-day medical treatment that does not require hospitalisation. We provide benefits for the following treatment and services:

  • GP and specialist consultations

    We cover General Practitioner (GP) consultations and specialist consultations.

  • Acute medicines benefit

    We provide benefits for medicines that are medically necessary to treat acute conditions such as colds and flu that are prescribed by a registered doctor.

Acute conditions usually appear suddenly, progress rapidly and do not last long.

We cover pathology or blood tests requested by a doctor, radiology or basic x-rays, and non-surgical procedures such as stitches or applying plaster of Paris to broken bones.

We pay for the following from your out-patient benefits:

  • Physiotherapy
  • Biokinetics
  • Chiropractor
  • Psychology
  • Hearing aid acoustician
  • Speech therapy/audiology
  • Dietician
  • Podiatry
  • Occupational therapy
  • Orthotist/prosthetist

We include health benefits for additional cover on the cost of out-of-hospital maternity care including:

  • Consultations
  • Radiology
  • Blood tests

  • Dentistry is covered on all plans.
  • Consultations
  • Basic dental procedures (removal of teeth and roots, fillings, preventative treatment, scaling and polishing, and x-rays)
  • Specialised dentistry (root canal treatment, dentures, inlays, crowns, bridges, periodontal treatment, orthodontic treatment and surgery)
  • Specialised dentistry is covered on all plans except the Lite plan.

We include one eye examination per insured person per year, and frames and lenses (including contact lenses) every two years.

We include health benefits for chronic medicines to treat chronic conditions on the Chronic Diseases List. Chronic conditions are conditions such as diabetes and high blood pressure that require medication and treatment for more than three (3) continuous months.

If you are diagnosed with a chronic condition, together with your doctor or specialist, please complete and submit a Managed Healthcare Application Form. Once you are registered with the Liberty Health Cover Chronic Disease Programme you will have access to:

  • The Chronic Medicine Benefit to cover the cost of your chronic medication.
  • Additional benefits for related pathology, consultations and basic radiology.

By registering with the Chronic Disease Programme, you will avoid claims for your chronic condition being paid from your day-to-day benefits.

If you have any queries regarding the Chronic Medicine Benefit, please contact your local in-country office or visit our Chronic diseases [PS5] page to guide you on the required process and qualifying conditions.

  • Chronic Disease List[PS6]
  • Chronic Disease Programme[PS7]
  • Download the Managed Healthcare Application Form[PS8]

Emergency Transfers and Evacuations

We provide benefits for transportation in the case of an emergency medical condition.

We pay for the transportation costs from the country where the emergency medical condition occurs to the nearest, appropriate medical facility within the member’s area of cover (based on their chosen health plan).

The nearest medical facility may be within the country where the emergency medical condition occurs.

We pay your transport costs for evacuation from the country where the emergency medical condition occurs to the nearest available medical facility in your area of cover.

This benefit is available on our Classic Critical Care, Plus Africa and Global Elite plans.

  • Requires pre-authorisation and approval by our Medical Adviser.
  • The medical condition must be a serious or life-threatening emergency medical condition that requires immediate evacuation.
  • The purpose of evacuation will be to avoid death or serious impairment of the insured person’s immediate or long-term health.

We cover the accommodation and daily allowance for one family member to accompany you in the event of an emergency evacuation to a maximum of 14 days.

We provide benefits to transport you to your country of residence on the African continent, following an international emergency medical evacuation, provided that we pre-authorise these costs before you travel.

We cover the preparation and transport of your remains from the place of death to your home country, should you or your beneficiaries die during an international emergency medical evacuation.

This applies provided that your home country is in your area of cover.
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  1. How to contact us for pre-authorisation

    In the case of an emergency hospital admission, the Heritage Insurance approved healthcare provider should contact us for pre-authorisation, within 12 working hours of the event, to ensure that your claims are paid.

    Information we need:

    • Patient’s full name, membership/policy number and date of birth
    • Treating healthcare provider details: full name
    • Hospital details: full name of hospital
    • Reason for admission or emergency visit (medical and/or surgical condition)
    • Date of admission and proposed date of the procedure
    • Additional supporting documents where required
    • When a procedure is done out of hospital, for example, MRI (out-patient radiology), you need to supply the healthcare provider’s name

    Requirements:

    • Medical Report
    • A duly completed pre-authorization form by the doctor.
    • Any other relevant information e.g. Radiology results , evaluation results etc
    Notification for scheduled admissions:

    Members are required to notify us for any planned admission within 48 hours for review and advise.

    We will provide feedback to the Heritage approved provider within 12 hours upon receipt of full documentation.

  2. Continuous Care Program (CCP)

    The Continuous Care Program is designed to provide continuous and collaborative support for clients living with chronic health conditions. The goal is to improve health outcomes and enhance quality of life through personalized care and consistent engagement. The program supports the management of a wide range of conditions, including but not limited to Hypertension, Asthma, Cancer, Diabetes, Mental health illness, HIV/AIDS etc.

    Through strategic partnerships with various healthcare providers, we offer convenient, affordable, and tailored care to meet our clients' unique needs and promote overall well-being.

    • All-in-One Care: Unlimited consultations including Telemedicine and referrals to specialists
    • Affordable Pricing: Comprehensive services at a reduced cost to optimally manage your medical cover benefits.
    • Holistic Wellness: Ongoing support from doctors, nurses, counsellors, psychologists etc
    • Drug Deliveries at your convenience at no extra delivery cost
    • Nutrition reviews: Personalized meal and diet plans
    • Lab sample collections: At the convenience of your home/office
    • Home Based Care Services

    Your Privacy is Our Priority: Your personal and medical information will be treated with the utmost confidentiality and will be used solely for the purposes of your tailormade wellness program. By signing this form, you authorize the collection and use of your personal health information in accordance with our data privacy regulations.

    Register now for Continuous Care Program (CCP)

    Please contact your in-country office to pre-authorise any changes to your chronic treatment or medication. This will help us to ensure that claims are paid from your available benefits.

    Chronic conditions covered by the chronic medicine benefit:

    • Acne
    • Addison’s disease
    • Allergic rhinitis
    • Alzheimer’s disease
    • Anaemia
    • Ankylosing spondylitis
    • Anorexia nervosa
    • Arrythmias and conduction disorders
    • Asthma
    • Attention deficit hyperactivity disorder (ADHD)
    • Barrett’s oesophagitis
    • Benign prostatic hypertrophy
    • Bipolar mood disorder
    • Bronchiectasis
    • Bulimia nervosa
    • Cardiac failure
    • Cardiomyopathy
    • Chronic obstructive pulmonary disorder (COPD)
    • Chronic renal disease
    • Conn’s syndrome
    • Cor pulmonale
    • Coronary artery disease/Ischemic heart disease
    • Crohn’s disease
    • Cushing’s disease
    • Cystic fibrosis
    • Deep vein thrombosis
    • Depression
    • Dermatitis/eczema
    • Dermatomyositis
    • Diabetes insipidus
    • Diabetes mellitus type 1
    • Diabetes mellitus type 2
    • Diverticular disease
    • Dysrhythmias
    • Dystonia
    • Endometriosis
    • Epilepsy
    • Gastro-oesophageal reflux disorder (GORD)
    • Generalised anxiety disorder (GAD)
    • Glaucoma
    • Gout
    • Haemophilia
    • Hepatitis B
    • Hepatitis C
    • HIV/AIDS
    • Hyperlipidaemia
    • Hyperparathyroidism
    • Hypertension
    • Hyperthyroidism
    • Hypoparathyroidism
    • Hypopituitarism
    • Hypothyroidism
    • Malabsorption syndrome
    • Male hypogonadism
    • Meniere’s disease
    • Menopausal and perimenopausal disorders
    • Menorrhagia
    • Motor neuron disease
    • Multiple sclerosis
    • Muscular dystrophy
    • Myasthenia gravis
    • Neuropathy
    • Obsessive compulsive disorder (OCD)
    • Osteoarthritis
    • Osteoporosis
    • Paget’s disease
    • Paralytic syndromes and associated complications
    • Parkinson’s disease
    • Pemphigus
    • Polyarteritis nodosa
    • Polycystic ovarian syndrome
    • Polymyalgia rheumatica
    • Post-traumatic stress disorders
    • Primary/idiopathic thrombocytopaenic purpura
    • Psoriasis
    • Psoriatic arthritis
    • Pulmonary interstitial fibrosis
    • Rheumatoid arthritis
    • Rosacae
    • Sarcoidosis
    • Schizophrenia
    • Scleroderma and systemic sclerosis
    • Sicca syndrome
    • Stroke
    • Systemic lupus erythromatosus
    • Thrombosis and embolism
    • Tourette’s syndrome
    • Transient ischaemic attacks
    • Trigeminal neuralgia
    • Tuberculosis
    • Ulcerative colitis
    • Urinary incontinence
    • Urinary tract infection (chronic)
    • Valvular heart disease
    • Zollinger-ellison syndrome

  3. How to Submit a reimbursement claim.

    Please ensure that your original hard copy claim documents are submitted through [email protected] by your relevant medical scheme administrator or intermediary(human resource manager (employer), insurance agent or insurance broker).

    Below find the reimbursement check list:

    Outpatient Claims
    1. A duly completed claim form including laboratory and prescriptions requests.
    2. An itemised invoice
    3. E-tims receipts including proof of M-Pesa ETR payments etc
    4. A duly completed accounts details form
    Inpatient Claims
    1. A duly completed pre-authorization form by the doctor
    2. An itemised invoice
    3. A medical report
    4. Discharge summary
    5. E-tims receipts including proof of M-Pesa ETR payments etc
    6. A duly completed accounts details form

    Kindly note upon receipt of claim full documentation , Heritage Insurance shall review and process the reimbursement within 10 business days as per the policy terms and conditions.

    We have made the claims process as simple as possible for you and your treating provider. The list below provides all the details required when submitting a claim to us either by you or your treating provider.

    Information that must be on the claim:
    • Membership/policy number
    • Patient’s name and surname
    • Patient’s date of birth
    • Principal member’s name and surname
    • Employer/scheme name
    • Diagnosis
    • Date of service (include admission & discharge dates for hospitalisation)
    • A detailed description, per item, of the treatment or service received/provided
    • Quantity (i.e. 30 Disprin, 3 days in General Ward)
    • Tariff code (if available)
    • Amount charged per service or treatment
    • Name of the treating healthcare professional
    • Facility name
    • Total charged
    • Proof of payment (receipt or EFT proof)
    • Signature of the insured person or principal member if a minor
    • Signature of the provider
    • Invoice (for credit claims)
    • Provider stamp
    • Insured’s cell phone number
    What to remember

    Please ensure that the original, hard copy claims are clear, detailed and easy to read as this will speed up the time it takes to process the claims.

  4. Contact Us

    Operations Medical Contact center

    Email: [email protected]

    WhatsApp: 0768 661 492

    Phone: 0711 076 333

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